Chase Ink Business Cash Credit Card - Get 5% Office Supplies 2% Food & Restaurant $150 Per Referral

Chase Ink Business Cash Credit Card 

The Chase Ink Business Cash Credit Card is another favourite of mine and very popular with the cashback rewards community. If you like the idea of cashback rewards for spending money this is a card you should have nestled away in your wallet. 

This cashback credit card is tailor-made for business owners and rewards you with 5% cashback on office related spending, limited to $25,000. Over on Reddit there are cashback fanatics earning over $3000 per year using multiple cashback credit cards like the Chase Ink Business Cash Credit Card.

Bonus 1: You can earn $500 in cashback rewards after you spend $3000 in the first 3 months of opening this account. 

Bonus 2: You can earn 5% on the first $25,000 spent in combined purchases of Office Supplies. This means you could potentially earn $1250 from this category alone.

Bonus 3: Earn another 2% cashback rewards on the first $25,000 spent on gas stations and restaurants. If your business means you have to travel a lot and entertain clients you will make a killing on this card.

Chase Ink Business Cash Credit Card FICO Requirments

Lets cut right to the CHASE. You need a FICO score of 700+ to get the Chase Ink Business Cash Credit Card. Even though this is a business credit card it will use your personal credit report and FICO score to determine your eligibility. 

Don't chance it with a low FICO credit score, the Chase INK Business Cash credit card is a very sought after card and you should play it safe and only apply when your FICO score is 700+. Even if you spend 6 months to boost your credit score you will be sorted for life.

Chase Ink Business Cash Credit Card FEATURES

The Chase INK Business Cash Credit Card is perfect for business owners who have high turnovers and business expenses. It is particularly suitable for business owners to spend a lot of time on the road, need a lot of office space and entertain clients all the time. By using the Chase Ink Business Cash Credit Card effectively you can make a lot of money in cashback rewards.

Feature 1: Just spend $3000 in the first 3 months from opening your Chase Ink Business Cash Credit Card and you will receive $500 cashback bonus. This is a hefty reward compared to other cashback credit cards and one that you should take advantage of.

Feature 2: Earn a hefty 5% cashback reward on office supplies, internet, cable, and phone services. The amount of cashback is limited to $25,000 so you could potentially earn $1250 if you have to spend up to the upper limit.

Feature 3: Earn 2% cashback rewards on purchases at gas stations and restaurants. This cashback is limited to $25,000 in spending so you could potentially earn another $500 by maxing that category out.

Feature 4: On all other purchases you can earn 1% cashback and this is unlimited. This is great news for business owners who have to spend a lot of money to run their business because they will end up with an incredible amount of cashback reward at the end of the anniversary year.

Feature 5: You also get 0% ARP for 12 months on purchases. So long as you pay off your balance at the end of 12 months you won't pay an additional penny in interest!

Feature 6: You can also get employee cards at no extra cost. So when they spend money as an expense you will get the cashback reward. SWEET.

Strategy to Maximise Cashback Reward with Chase INK

There is incredible potential to maximise the cashback rewards for the Chase Ink Business Cash Credit Card. You will be quids in. Here are some of the strategies being used by business owners over on Reddit who are absolutely cleaning up on cashback rewards. Here are just a few ideas!

Strategy 1: Sign up and spend $3000 in the first 3 months and earn $500 in cashback reward.

Strategy 2: Spend $25,000 on office expenses and receive $1250 in cashback reward.

Strategy 3: Spend $25,000 on wining and dining clients when you drive to see them. You can earn an additional $500 in cashback rewards.

Strategy 4: Put all your family expenses on the Chase Ink Business Cash Credit Card and earn an additional 1% with no limit.

Strategy 5: Give all your employees an additional Chase Ink Business Cash Back Credit Card and ask them to put all their expenses on it. Every time they spend money on the business you will earn 5% on office related purchases, 2% on clients, driving, restaurants and 1% on everything else.

Strategy 6: Refer your business buddies to the Chase Ink Business Cash Credit Card and receive $150 per client up to 5 referrals a year. You can earn an addition $750 in cashback rewards. SWEET.

Depending on how big your business is you can really clean up on cashback rewards using these simple strategies. Imagine having $3000 at the end of the anniversary year to treat yourself and your family!

Chase Ink Business Cash Credit Card FAQ

I wanted to answer some of the most frequently asked questions on the Chase Ink Business Cash Credit Card. Hope you find this incredibly helpful!

Q1: What credit score is needed for a Chase business card?

The Chase Ink Business Credit Card requires a FICO Score of 700. Even though this is a business card you will need to have EXCELLENT credit to get this card. Some credit card experts tell you to be safe and only apply for this card if you have a FICO credit score of 720+.

Q2: How long does it take to get approved for a Chase business credit card?

OK. So depending on your credit score and credit report you could get an instant approval on the Chase Ink Business Cash Credit Card. If your application is referred it might take up to 7 working days. 

If something nasty is found on your credit report it could take up to 30 days to investigate. Like I said, always check your credit report with a fine tooth-comb to ensure your application will sail through.

Q3: Can I get a Chase credit card with bad credit?

It will virtually be impossible to get the Chase Credit Card with bad credit. A better strategy would be to spend 6 months to a year improving your credit score and achieving a FICO score of 700+ before you apply for this incredible card!

Q4: Does Chase approve instantly?

Chase Ink Business Cash Credit Card does approve instantly if you have a FICO credit score of 700+ along with a 30% or less credit usage ratio and no nasty information on your credit report. Don't chance it. 

Check your credit report under a microscope before you apply for this credit card.

Q5: Does Chase Ink business cash earn Ultimate Rewards?

Yes. With the Chase Ink you can earn a 5% cashback reward on everything related to the offices with an upper limit of $25,000. 

Potentially with this category alone you could earn up to $1250 in cashback rewards.

Q6: Can you have both Chase Ink cards?

The Chase Ink Business Preferred and Chase Ink Business Cash are considered to be two separate entities so you can apply for both these cards and earn cashback reward on both of them.

Q7: How do you redeem ink cash rewards?

Go into your Chase account online. Scroll down to the Chase Ink Business Cash credit card account. You then find 'Go to Ultimate Rewards' and decide how you want to redeem your cashback rewards.

Q8: Which Chase business card is best?

Everyone agrees that the Chase Ink Business Preferred Credit Card is better than the Ink Business Cash. Potentially, you can earn 80,000 points after meeting the minimum spend.

Q9: Do Chase Ink points expire?

The Ink points on your Chase Ink Business Cash Credit Card will never expire as long as you keep your account open. This is great because the amount of cashback rewards that are loss because of expiry is humongous.

Q10: How long does it take to get approved for a Chase business credit card?

You can get approved for a Chase Business Ink Cash Credit Card instantly so long as you have a FICO credit score of 700+. You have a credit utilisation ratio of 30% and have no nasty information on your credit report.

Q11: Do you need to own a business for Chase Ink?

Strictly speaking you do not need to own a business to apply for the Chase Ink Business Cash Credit Card. You don't need a EIN (Employee Identification Number) and can use your social security number by applying as a sole trader.

Q12: How do I transfer Chase points from one credit card to another?

Log into your Chase Unlimited Rewards account using your User ID and password. You then have to select the account you want to transfer from and then select the account you want to transfer to. Once you are happy you can submit the request and the transfer will go through.

Q13: What are Chase Ink points worth?

As a holder of the Chase Sapphire Preferred or the Ink Business Preferred, each point is worth 1.25 cents (so a $100 hotel room would only cost 8,000 points). 

If you have the Chase Sapphire Reserve, your points are worth 1.5 cents apiece toward redemption through the portal.

Q14: Can anyone get a Chase business card?

You will need a FICO credit score of 700+. Credit utilisation of 30% or less. No nasty information on your credit report.

Q15: How much is 20000 Chase points worth?

20,000 points on the Chase Ink Business Cash Credit Card is equivalent to $200.

Q16: How much are 50000 Chase points worth?

50,000 points on the Chase Ink Business Cash Credit Card is equivalent to $500.

Q17: How much is 60000 Chase points worth?

60,000 points on the Chase Ink Business Cash Credit Card is equivalent to $600.

Capital One Savor Cash Rewards Credit Card Review - 4% Cashback on Food & Entertainment

Capital One Savor Cash Rewards Credit Card Review 

The Capital One Savor Cash Rewards Credit Card is up there as one of the best cashback rewards credit card. You can earn a $300 one-time cash bonus when you spend $3000 in the first 3 months and you get a unlimited 4% cashback on dining and entertainment as well as 2% on grocery stores. 

Bonus 1: The Capital One Savor Cash Rewards Credit Card offers a stonking $300 one-time Cashback reward.

Bonus 2: The Capital One Savor Cash Reward offers excellent cashback levels on Entertainment, Grocery and other purchases. You can earn up to $2000 a year in cashback rewards.

Bonus 3: The Capital One Savor Cashback Rewards will never expire for the life of the account and there is no limit to how much you can earn. It's fantastic to have this safety net because sometimes we forget and let the rewards expire.

Capital One Savor Cash Rewards FICO Score Required

This is a brilliant card with exceptional cashback rewards. So the question is what FICO score is required to get approved for this excellent cashback reward credit card?

Well, to be approved for a Capital One Savor Cash Rewards credit card you will need a bare minimum FICO credit score of 660+, this does not mean you will be approved for the card, you'll just be considered and other factors will come into play like credit utilisation. 

Most credit experts say it's better to get your FICO score up to 700+ so you have a better chance of success. A FICO score of 700+ means you are certain to get approved. So, check your score first before you apply.

Capital One Savor Cash Rewards Credit Card Features

I've analysed this card in detail and I like what I see. Its right up there in terms of cashback rewards with the likes of Chase Freedom Unlimited and Discover It Cashback Credit cards. 

Here are 7 features which will blow your mind away, especially if you spend a lot of money on food and entertainment. I've seen Redditors earn up-to $3000 a year in cashback so its phenomenal.

Feature 1: When you spend $3000 within 3 months of receiving the Capital One Savor Cash Rewards Credit Card you will get a cash reward of $300 credited to your account. There's no need to apply for anything or make a claim, it will be triggered as soon as you spend $3000. Easy and Simple!

Feature 2: You can earn an unlimited 4% cashback on dining and entertainment. If your a party-goer this card is for you.

Feature 3: The Capital One Saver Cashback Reward pays a stonking 2% at grocery stores and 1% on absolutely everything else.

Feature 4: You can also earn 8%! yes 8% cashback on tickets at VIVID seats through may 2020. Get your friends to buy tickets through you and you can absolutely clean up.

Feature 5: You don't need to spend hours applying for cashback or to the companies that offer cashback, it's all pretty much automated. There are no rotating categories or sign-ups needed.

Feature 6: I love this feature. Most Cashback credit cards have an expiry on the reward, but, not the Capital One Savor Cash Rewards which promise you your cashback won't expire for the life of the account and there is no limit to how much you can earn, the sky is the limit.

Feature 7: There are no Foreign Transaction Fee and no annual fee for the first year. Annoyingly the years after that have a $95 fee but it will be more than offset by the cashback rewards you earn through the Capital One Savor Cash Rewards.

Bonus Feature 8: Get $100 for every successful referral to Capital One Savor Cash Rewards, maximum $500 per year.

Strategy to Maximise Cash Rewards on Capital One Savor

Want to maximise the cash rewards from the Capital One Savor Cash Rewards Credit Card? There are many ingenious ways to do this. The people over at Reddit are earning thousands in cashback because they have found ways to exploit the cashback system and it's all legal.

Move 1: You've got to spend $3000 in the first 3 months to earn the $300 one-time cash bonus. Be smart and spend the $3000 where you can earn the highest cashback rate. 

So spend on first on Dining and Entertainment to earn 4%, then put all your grocery on the Capital One Savor to earn 2% cashback. For everything else you will earn 1% cashback.

Move 2: You can earn 8% Unlimited Cashback on VIVID seats through May 2020. You have to get all your friends and family and their friends and family to purchase VIVID seats through you. 

If you can buy $10,000 worth of VIVID seats for other people you will earn $800 in cashback rewards. This is entirely possible and people on Reddit are cleaning up as we speak.

Move 3: Put all your expenses on the Capital One Savor Cash Rewards Credit Card. Put all your partners expenses and children's expenses too. 

Basically, the more money that moves through your Capital One Savor the more you will make in rewards. 

Move 4: Refer 5 friends to the Capital One Savor Cash Rewards and earn $500 every year! This is a very popular card so people will apply.

With these 4 moves you can reach $2000 to $3000 in cashback rewards, it's entirely possible and limited to your imagination and strategy.

Capital One Savor Cash Rewards Credit Card FAQ

Here are some of the most frequently asked questions for the Capital One Savor Cash Rewards Credit Card. If you have any questions leave it below in the comments section and I will answer it! Guaranteed.

Q1: Is Capital One savor hard to get?

The Capital One Savor is a very sought after card and it hard to get. You need a bare minimum FICO score of 660+ to be considered. To be certain of being approved only apply for this card when you have a FICO credit score of 700+.

Q2: Can I upgrade my Capital One card?

Yes, you can upgrade your Capital One Card. If you think you deserve an upgrade for maintaining your account immaculately just go online or call Capital One and ask for an upgrade, you can also ask for a Credit Limit Increase at the same time too! Might as well kill two birds with one stone.

Q3: How often does your Capital One increase credit limit?

You can make requests as frequently as you want to increase your credit limit, however, Capital One will only increase your credit limit every 6 months. So if you've increased your credit limit in the last 6 months you will have to wait the mandatory 6 months before another limit increase is approved.

 

Q4: How do I redeem my Capital One Cash Back rewards?

You can redeem your Capital One Cash Back Rewards very easily. Just log into your credit card account and go to Cashback Rewards, You can either use the Cashback to pay your statement balance or request a Check from Capital One.

Q5: What credit score do you need for Capital One savor?

You will need a bare minimum FICO score of 660 to be considered for the Capital One Savor. You should aim for a FICO credit score of 700+ before you apply for the Capital One Savor to be certain of approval.

Q6: Is savor one better than Quicksilver?

This depends on your spending habits. If you spend more on entertainment and dining then the Capital One Savor is the best card for you. If you wan't to earn a flat rate on purchases the Quicksilver is more suitable. Both cards have unlimited cashback rewards.

Q7: Is the Capital One savor one card metal?

Yes, the Capital One Savor Card is metal! The card has a Stainless Steel Vaneer produced from 75% recycled materials. The back half of the card has a Acrylic layer. Capital One Savor is one of the least expensive metal cards you can get.

Q8: Is Capital One savor a good credit card?

The Capital One Savor is a good card because you earn unlimited cashback on your purchases. It is particularly suited to spending who like entertainment and dine out frequently. The initial $300 sign-up bonus is also a good offer for cashback lovers.

Q9: Is Capital One savor one Visa or Mastercard?

The Capital One Savor is NOT a VISA, it is a MasterCard. To be precise it is actually a World Elite MasterCard which offers MasterCard Networks highest level of security and benefits.

Q10: Is Capital One considered a major credit card?

Capital One is considered to be a Major Credit Card Company. It has been operating and competing with the top credit card companies since 1994 and is a publicly traded company on the New York Stock Exchange and a constituent of the S&P 100 and S&P 500.

Q10: How do I pull money off my Capital One credit card?

You can pull money off your Capital One Credit Card at a bank or ATM. You will of course need your PIN number and you will be charged an ATM surcharge and cash advance fee.

Q11: Does Capital One have a referral bonus?

Capital One does have a referral bonus plan. You can earn $100 for each friend you refer. You can refer as many friends as you like but there is a maximum of $500 you can earn each year.

Q12: How do I refer a friend to Capital One?

Referring a friend to Capital One Credit Card is very simple. Go to your Capital One Online account and click on 'I Want To'. Then click on 'Refer a Friend'. You will get a link with your referral code which you can email to your friend or family members. It's very very simple. 

Q13: Does Capital One savor one card have foreign transaction fees?

The Capital One Savor Card does not have a Foreign Transaction Fee which makes it ideal for people who travel a lot.

Q14: Do Capital One Rewards points expire?

Capital One Savor Cash Rewards never expire and will remain with the life of the account. 

Discover It Cashback Credit Card Match - Get 5% Cashback & 1% Cashback - All Cashback Matched in Year 1

Discover It Cashback Credit Card Match

The Discover It Cashback Credit Card Match is one of my favourite cards because it offers so many features. If you like the idea of cashback you will adore this credit card and have a nice little bonus built up and the end of the year.

Bonus 1: Discover It Cashback Credit Card Match will match all the cashback you've earned in one year.

Bonus 2: You can get 5% Cashback every quarter at real places where we shop like gas stations and Amazon.

Bonus 3: You earn 1% Cashback on all other purchases.

Without beating around the bush, in order to get this card you will need a FICO score of 648, to have a very good chance of being approved for the Discover It Cashback Credit Card Match you should aim for a FICO Score of 680 to 720. Essentially, you need a Good or Excellent Credit Score to be approved.

In this short guide I will be looking at the super cashback features of the Discover It Cashback Credit Card Match and share strategies on how to maximise the cash and end up with a nice little bonus. I'll also be answering some of the most frequently asked questions about the Discover It Cashback Credit Card Match.

Discover It Cashback Credit Card Match Features

Here are my favourite features of the Discover It Cashback Credit Card Match.

Feature 1: Discover It Cashback Credit Card will match all the cashback you've earned in the first year of spending. You don't need to fill out any long forms or chase them, the cashback is simply sent to you at the end of the 1 year period. Simple and Amazing, I love it.

Feature 2: You can earn a mouthwatering 5% cashback at places we really shop at like gas stations, grocery stores, restaurants, as well as Amazon Store, only downside is there is a quarterly maximum, but the maximum is quite decent.

Feature 3: You can also earn an additional 1% cashback on all other purchases, this is then sent to your account automatically.

Feature 4: You can use the Discover It Cashback Credit Card Match Rewards on the Amazon.com checkout.

Feature 5: There is an amazing security feature. All your details for the Discover It Cashback Credit Card is monitored on the Dark Web and you will receive an alert if your card details are found. Basically, you can take action.

Feature 6: The Discover It Cashback Credit Card Match offers 0% for 14 months on Purchases and Balance Transfers, there are also no nasty annual fees that some other cashback credit cards have.

How to Maximise the Cashback Reward

Discover It Cashback Credit Card Match

I'm going to share my strategy of how I maximise the cashback reward from my Discover It Cashback Credit Card Match.

If you haven't already got this card I suggest you apply for it especially if you like the idea of getting cashback every time you spend.

The minimum FICO score you will need is 648, however I would suggest you play it safe and only apply when you have a credit score of 680 to 720. If you're credit score is lower than 648 don't apply for this credit card because you will get rejected. A better approach would be to improve your credit card and then apply for it.

The way to maximise the cashback reward on the Discover It Cashback Credit Card Match is to put all your expenses on the credit card. You should also put all family expenses and extended family expenses on the cashback reward credit card.

What I did was spend the majority of my money on the retailers which offer 5% cashback so I could earn the maximum on offer every quarter. Once I hit the maximum it would revert to 1% cashback and you can spend anywhere.

You should also get additional cardholders for the DIscover It Credit Card so you can take advantage of the Cashback Rewards every time you spend. Your aim is to earn as much as possible in the first your so Discover will match the reward at the end of the 1 year period.

Suppose you earn cashback of $2000 dollars within a year, and this is entirely possible, especially if you can put your extended family purchases on the credit card (make sure they pay in advance). Discover It Cashback Credit Card will match the $2000 and you will have $4000 cashback in 1 year. I have seen many people on Reddit do this so it's very possible, and also mind blowing that you can earn so much in reward.

Frequently Asked Questions

Discover It Cashback Credit Card Match

Q1: What is the minimum credit score for a Discover Card?

The absolute Minimum Credit Score required for a Discover It Cashback Credit Card Match is a FICO score of 648, play it safe and only apply for this credit card when you have a FICO score of 680 to 720, this is a GOOD/EXCELLENT credit score.

Q2: Is discover it cash back a good card?

The Discover It Cashback Credit Card is a good card to get started on cashback rewards. Discover Credit card will match your cashback rewards in the first year of use. 

You also get 5% cashback rewards on retailers you actually shop with (like gas stations, grocery stores, Amazon etc), you also get 1% cashback rewards on other purchases. 

Finally you get 14 months interest free credit on purchases and balance transfers! What's not to like about this credit card? It's fantastic.

Q3: Is there a limit on Discover cashback?

There are no limits on the cashback reward you can earn with the Discover It Cashback Credit Card. There is a quarterly limit on the 5% cashback reward but this is very high and it reverts back to 1% after you hit the limit. I've seen many Redditors hit $4000 in cashback reward in the first year.

Q4: How does cashback work on Discover Card?

The Discover Card offers 5% cashback with retailers like Gas Stations, Restaurants, Grocery Stores and even Amazon.com. There is a quarterly limit (which is very high). 

You also get 1% cashback rewards once you exceed the quarterly limit on everything else you spend on. After 1 year Discover will match all the rewards you earn so you double up. I love this card!

Q5: Can you take money off a Discover credit card?

You can withdraw money off a Discover Credit Card however a Cash Advance APR and Cash Advance Fee will apply. There may also be an ATM surcharge depending on the location of the cash withdrawal. 

Q6: Does discover match cashback every year?

Discover It Cashback Credit Card matches your cashback reward only in the first year. That is why it's really important to maximise the purchases in the first year so you can double up on your rewards.

Q7: How do I redeem my Discover cashback bonus?

1: You can redeem CASH from your Cashback Rewards. You can deposit the money into a chosen bank account or apply the credit to a Discover Credit Card Bill.

2: You can redeem at Amazon.com when you checkout.

3: You can redeem with Gift Cards. You can also get $5 added free on over a 100 popular brands which means you get another free $5.

4: You can redeem your cashback rewards to charity.

Q8: Can I get cash back on my Discover card at Walmart?

You can get 5% Cashback Reward on Walmart with the Discover It Cashback Credit Card Match. There is a upper limit and you limited to $120 cashback every 24 hours!

Q9: Can I transfer money from Discover credit card to bank account?

You can transfer cash from your cashback rewards from the Discover Credit Card to your chosen Bank Account. There are no fees for doing this transfer. This is how many cashback earners redeem their rewards from the Discover Cashback Credit Card.

Q10: Does discover double cash back?

All the cashback rewards earned in the first year of using the Discover Cashback Credit Card will be matched so Discover does indeed Double what you earned, but only in the first year.

Q11: How much cash back can you get at Walmart with Discover?

Discover It Cashback Credit Card offers 5% cashback rewards on purchases at Walmart, there is a spend limit of $1500 per month or $4500 per quarter, so the maximum you can earn from Walmart per quarter is $225 in cashback rewards.

Q12: What is the Discover it card limit?

The Discover It Cashback Credit Card Match usually starts with a Credit Limit of $3000 to $5000 dollars, however these limits can be higher if you have managed your credit well and have Exceptionally High Credit Score with low Credit Usage compared to credit limit. 

Some people on Reddit have been approved with a $15,000 credit limit to start with.

Q13: Is Discover Visa or Mastercard?

Surprisingly, Discover is neither a Visa nor a MasterCard. It is sort of like it's own entity like American Express but not exactly the same. VISA, MasterCard, Amex and Discover are 4 separate card networks.

Q14: How does discover cashback bonus work on Amazon?

It's very simple to link your cashback rewards from the Discover It Cashback Credit Card with your Amazon account. You have to go to the 'Cashback Bonus from Discover' web page and then link your reward card Discover It Cashback Credit Card. Once the accounts are linked you can use your rewards to pay for items on the Amazon.com checkout.

Q15: What is the highest credit limit for Discover Card?

Card	Credit limit
Discover it® Cash Back	Credit limit: Up to $15,000
Chase Freedom Unlimited®	Credit limit: up to $24,000
Discover it® Balance Transfer	Credit limit: Up to $25,000
Chase Freedom®	Credit limit: Up to $24,000

Q16: What credit score for a Discover Card?

For the Discover It Cashback Credit Card you will need a minimum credit score of 648, however it is better to be safe and only apply when you have a FICO credit score of 680 to 720 which is 'GOOD/EXCELLENT' credit ratings.

Q17: Does Amazon accept Discover Card?

Amazon does accept the discover credit card. You can earn 5% cashback when you spend on Amazon, you can also use your cashback rewards to pay for Amazon items on the checkout.

Q18: Is discover a major credit card?

Discover is a major credit card as it has his own Card Network like VISA, AMEX, and MasterCard.

Q19: How do you get cashback from Discover?

You get 5% cashback from the Discover It Cashback Credit Card on selected retailers. You get 1% Cashback on all other purchases and there is no upper limit on the cashback you can earn. Discover will then match the cashback rewards you have earned after 1 year.

Q19: Does Amazon refund discover points?

Amazon will return your reward cashback when you request a refund.

Q20: How often does discover it increase credit limit?

Discover will consider an increase in your credit limit every 6 months and will increase the credit limit for the Discover It Cashback Credit Card to a maximum of $15,000. 

Q21: Is Discover owned by Chase?

Discover is now owned by Chase, it is owned by Morgan Stanley.

Q22: Does Discover Card give cashback on all purchases?

Yes, Discover will give you at least 1% cashback on purchases. You have an opportunity to earn 5% cashback with selected retailers.

Chase Freedom Unlimited New Offer - Earn 1.5% Cashback and $150 Bonus and $100 Referral Bonus

Chase Freedom Unlimited New Offer

Bonus 1: Earn $150 Cashback for New Customers
Bonus 2: Earn $100 Cashback for Referring Customers
Bonus 3: Earn 1.5% Cashback on Anything (No Limit)

The Chase Freedom Unlimited Credit Card has a new offer which will definitely interest people who are savvy with their personal finances. This is a brilliant card if you're into cashback in a big way.

First things first, you will need a FICO score of Good to be considered and Excellent to be approved instantly providing you have a 30% or less credit usage to credit limit ratio. Before you apply for the Chase Freedom Unlimited credit card you should definitely check your credit score to check if you have a good chance of approval.

In this quick and concise guide, I will be be highlighting all the brilliant features of the Chase Freedom Unlimited New Offer which will probably blow you away.

Chase Freedom Unlimited New Offer

Benefit 1: You can earn a mighty $150 in cashback from the Chase Freedom Unlimited credit card as soon as you spend $500 in your first 3 months, there are no restrictions on purchases, everything counts.

Benefit 2: You can earn an unlimited cashback of 1.5% on purchases, there is no limit so the more you spend the more you earn on the Chase Unlimited Credit Card.

Benefit 3: The Chase Freedom Unlimited Interest Free period is for 15 months from opening the account. This special offer is available for purchases and balance transfers.

Benefit 4: There is a low 3% balance transfer fee when you transfer a balance within the first 60 days from account opening. 

Benefit 5: There are no annual fees on the Chase Freedom Unlimited so you can make this your main spending credit card.

How to Maximise the New Offer From Chase Freedom Unlimited

Strategy: Having the Chase Unlimited Credit Card will help you earn some money on the side easily. I have a strategy which earns me hundreds of dollars every month.

The first step is to take advantage of the $150 of offer when you spend $500 in the first 3 months. This is entirely possible. Just put all your spending on the card and pay it off in full every month.

Going forward make sure you make all your purchases through this card. Don't pay in cash, don't use another credit card, just use the Chase Freedom Unlimited Credit Card.

You can also get additional cardholders for your account and give them the permission to spend on this card. If you can get other family members and friends to put all their major spends on this card where they pay it off immediately you will be quids in.

Suppose using this method you spend an initial $500 during the first 3 months and overall in a year you spend $100,000 you will earn a stonking $1750 which is fantastic.

Frequently Asked Questions on Chase Freedom Unlimited

How does Chase Freedom Unlimited points work?

The Chase Freedom Unlimited offers cashback of 1.5%, this means that for every dollar you spend on absolutely anything you will receive 1.5 points. Spend $1000 dollars and you will receive $15. 100 Points is equivalent to $1. 1000 Points is equivalent to $10. 

How do you get 150 bonus on Chase Freedom Unlimited?

The Chase freedom Unlimited Offers $150 dollars to new customers when they spend more than $500 in 3 months, this is equivalent to 15000 Points (Not 150 Points)

Also, when you refer a friend to the Chase Freedom Unlimited you will get $100 (or 10000 Points). You can get a maximum of $500 or 50000 Points (Referring maximum 5 people). Suppose you take advantage of the initial offer and the referral program you will make $650 or 65000 Points. 


How much are Chase Freedom Unlimited points worth?

For every dollar you spend on the Chase Freedom Unlimited you will receive 1.5 Points. Here is how you can convert between cashback in dollars and the points you receive.

(Spend $1) RECEIVE 1.5 Point = 1.5 Cent 
(Spend $100) RECEIVE 150 Points = $1.50 Cashback
(Spend $1000) RECEIVE 1500 Points = $15 Cashback
(Spend $10000) RECEIVE 15000 Point = $150 Cashback
(Spend $100,000) RECEIVE 150000 Point = $1500 CB
(Spend $100,0000) RECEIVE 1500000 Point = $15,000 CB

Does Chase Freedom earn points?

The Chase Freedom Unlimited Cashback Credit Card has one of the best rewards program because you can earn unlimited points. 

There are no restrictions on what you can buy. Savvy Personal Finance Guru's put all their expenditure on the Chase Credit Card and let the points accumulate over time.

What credit score is needed for Chase Freedom Unlimited?

You need to have a 'Good' Credit Score. You will usually be approved for a Chase Freedom Unlimited Credit Card if you have a FICO Score of 680 or higher. 

Some applicants have been approved with a FICO score of 650. It's best to play it safe and aim for a FICO score of 700+ before you apply for this card.

Is Chase Freedom or Freedom Unlimited better?

The Chase Freedom Unlimited Credit Card is better than the Chase Freedom, this is because you can earn a cashback of 1.5% on everything you spend on and there are no limitations on the amount of cashback you get. The more you spend the more cashback you can earn on the Freedom Unlimited.

Is Chase Freedom Unlimited a good first credit card?

The Chase Freedom Unlimited is a good first credit card. If you have a good FICO Credit Score of 680 or more you can apply for this credit card. If you like the idea of earning money every time you spend this credit card is ideal for you.

What is the credit limit for Chase Freedom Unlimited?

For well-qualified applicants you can get an initial credit limit of $20,000 or more from the Chase Freedom Credit Card.

For Moderately-Qualified applicants you can get an initial Credit Limit of $10,000.

For Beginner-Qualified applicants who have 'Good/Excellent' credit but little history, you can get an initial credit limit of $3000 to $5000.

Is it hard to get approved for a Chase credit card?

It is hard to get approved for a Chase Credit Card because you need a FICO score of 680 or more. If you have a FICO Score lower than 650 you should consider improving your credit score before you apply for the Chase Freedom Unlimited Cashback credit card.

Will I get approved for Chase Freedom Unlimited?

You will get approved for a Chase Freedom Unlimited if you have a FICO score of 680+. If you have accumulated a lot of payments over time you are very likely to be approved with a high credit limit.

Does Chase Freedom Unlimited have bonus categories?

The Chase Freedom Unlimited has 3 bonus categories. The initial bonus category is where you get 15000 Points ($150) when you spend $500 in the first 3 months. 

The second bonus Category is where you receive 1.5 points for every 1 dollar you spend. 

The third category is the referral bonus where you receive $100 or 10000 points. You can refer up to 5 people and receive a maximum of $500 or 50000 points.

Do you need good credit for Chase Freedom?

You need 'GOOD' Credit to apply for the Chase Freedom Credit Card. This is equivalent to a FICO credit score of 680+.

What are the benefits of a Chase Freedom Card?

The benefits of the Chase Freedom Credit Card is for new customers you will receive $150 or 15000 points when you spend $500 or your credit card in the first 3 months.

How long is Chase Freedom unlimited interest free?

The Interest Free Period on the Chase Freedom Unlimited Credit Card is 15 months for balance transfer and purchases. There is a 3% Balance Transfer Fee.

How much are 50000 Chase points worth?

You have to spend $33,333 to accumulate 50,000 Points which are equivalent to $500 in cashback.

How much is 20000 Chase points worth?

20000 Chase Points are worth $200 in cashback.

How much is 60000 Chase points worth?

60000 Chase Points are worth $ 600 in cashback.

Can I get a Chase Freedom card with no credit?

Without a credit history you are not likely to be accepted for a Chase Freedom Credit Card. If you're a student or about to apply for credit it's best not to apply for this credit card. 

Apply for starter level credit cards and then once you have a years worth of payment history you can try to apply for the Chase Freedom Credit Card.